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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $611,632 | $197,637+209.5% | $177,848+243.9% | $158,982+284.7% |
| Participation rate | 94.1% | 88.5%+5.6pp | 87.7%+6.4pp | 82.0%+12.2pp |
| Annual return | 21.17% | 58.77%-37.6pp | 48.33%-27.2pp | 302.99%-281.8pp |
| Employer contribution / active EE | $22,125 | $6,698+230.3% | $5,919+273.8% | $4,763+364.5% |
| Participant deferral / active EE | $16,168 | $8,405+92.4% | $7,714+109.6% | $5,983+170.2% |
| Admin fee / account holder | $4,162 | $15,406-73.0% | $12,431-66.5% | $11,252-63.0% |